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Originally thought you were talking high or low deductible. Jealous. Very few people have the option of a zero deductible plan anymore, and certainly not for $690/month for a family.
I work for a very large medical institution with an international reputation, and by comparison, our coverage isn't even in the same realm. The started high deductible plans a few years back, but have now shoehorned everyone onto them. My family deductible is $6000.
Certainly makes you watch the bills more closely, and argue the myriad of add-on charges, particularly those connected with any sort of hospital visit. Amazing the kind of 'adjustments' that pop up with several polite, but probing inquiries.
That said, I would have to pick the high plan for in and out of network coverage. Of course, one ER visit, even for something that would seem minor (simple fracture), would likely cover the actual difference in plan cost.
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